Finex Group LLC Collections Complaints. Stop the Calls

We help consumers who have complaints about collection harassment.

Finex Group, LLC is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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What is Finex Group?

Finex Group , LLC is a third-party collection agency based in Northern California. Finex has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper sharing of information and attempting to collect debts not owed. If you have been contacted by Finex, be sure you understand your rights before taking action.

Have questions? Call us now at 855-301-6100 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Finex Group a scam?

According to the Better Business Bureau (BBB), Finex Group, LLC is a legitimate collection agency, founded in 2007, and the BBB established its profile page in 2008. Finex is listed as a collection agency and collection system service with a staff estimated at 8 people.

According to its website, Finex is “one of the nation’s leading experts…practicing the highest levels of compliance and delivering significant returns to…clients while offering contingency rates—if there is no collection, then there is no fee.” Finex cites as its strength its ability to “collect from what others call ‘uncollectable’ accounts… such as difficult to locate and reluctant accounts…or previous agency assigned accounts.”

Finex’s Services page indicates its collection staff offers “professional services,” and collects delinquencies for telecommunications; consumer retail; and medical and dental providers, as well as providing legal services. Linked brochures also indicate Finex collects credit card debt; consumer loans; and auto and mortgage delinquencies. Although Finex does not appear to be licensed as a repossession agency, they also offer towing services and claim to be the “Towers’ Choice,” citing their membership in the California Tow Truck Association.

Brochures uploaded to Finex’s website indicate they are a full-service collection agency with standard services such as predictive dialing machines, collection letter services, credit reporting services, customized collection reports, and online account monitoring. However, their website does not provide any detailed information about their collection practices or their compliance policies. There are no links or references to consumer protection resources, laws, or enforcement agencies.

How many complaints are there against Finex Group?

As of October 2017, the BBB has given Finex a rating of F. The BBB has closed 10 complaints against Finex in the past three years, with 3 closed in the past 12 months. Most of the complaints allege problems with billing and collections. Since May2015, the Consumer Financial Protection Bureau (CFPB) has received 10 complaints about Finex, and Justia lists at least 3cases of civil litigation naming Finex as a defendant.

Contact Information

Finex Group, LLC
1394 Tully Rd., Ste. 207
San Jose, CA 95122-3057
Telephone: (877) 443-4686


Can Finex Group Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Finex would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Click 844-685-9200 NOW to call us.

Or go ahead and fill out our Contact Form. Our services are absolutely FREE to you.

Can you help me file a No Fee Lawsuit against Finex Group?

Absolutely. Here are some Sample Cases

In May 2011, in United States District Court for the Northern District of California, a judge issued an order in a case alleging violations of the Fair Credit Reporting Act (FCRA). In this case, law enforcement agents in 2009 directed a company called Big Guys Towing to tow his car for an unstated reason. The plaintiff failed to pay Big Guys Towing for the towing and storage of his car, and Big Guys Towing subsequently sold his car, then retained the services of Finex to recover from the plaintiff the difference between the sale price of the car and the amount owed for its towing and storage. To collect the funds on behalf of Big Guys Towing, Finex requested a copy of the plaintiff’s credit report from Experian credit reporting agency. Experian credit reporting agency provided Finex with the information.

The plaintiff charged that Finex and Experian violated provisions of the FCRA that prohibit the sharing of credit information without a legally permissible purpose. Experian argued that it is legally permitted to furnish collection agencies with credit report information for the purposes of collecting a debt. The plaintiff acknowledged that the FCRA “authorizes ‘a consumer reporting agency to furnish a consumer credit report to a person it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.’” However, a 2007 decision “amended the FCRA to define ‘credit’ as a ‘right . . . to defer payment,’ and, as a result, a ‘credit transaction’ is a transaction in which the consumer directly participates and voluntarily seeks credit.’” Therefore, because Finex was collecting a debt on behalf of Big Guys Towing that did not result from “a transaction in which the consumer directly participates and voluntarily seeks credit,” Finex’s request for credit information, and Experian’s furnishing of that credit information is not a permissible purpose. Because Experian was bound by precedent-setting case law that had determined furnishing credit information for towing-related debts like the one in this case is prohibited under the FCRA, their conduct was deemed egregious enough to “have run ‘a risk of violating the law substantially greater than the risk associated with a reading that was merely careless,’” thereby entitling the plaintiff to seek “actual or statutory damages, punitive damages and reasonable attorneys’ fees.”

Finex Group Calling You?

The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.

The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.

The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a collection agency.

Want to Stop Finex Group Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.

What Our Clients are Saying

“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”

“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete Finex Group from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

  • Mari Garcia

    I received a call from the Finex group on 01/24/19. I was threatened with a negative reporting on my credit by the caller who refused to ID herself. This was my first time ever receiving any notification on this and was not give the 30 days to dispute this debt. She did not Mini Miranda me. She was rude and i ended the call due to her attitude. I called back after i exited my office due to being at work and the Un ID female said she sent me some info validating the debt! I asked her name and she refused to give it to me and hung up on me! I called back again and spoke to a lady named Toni who claimed to be a manager and she was just as rude, so i was defensive back. I am tired of companies threatening people i need help.

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